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Affiche du document Put Your Money Where Your Life Is

Put Your Money Where Your Life Is

Michael H. Shuman

1h29min15

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119 pages. Temps de lecture estimé 1h29min.
“As so many Americans feel powerless to confront a financial system designed to serve the few, Shuman offers us real choices: tools that align our lives with our values. That’s power. I love this highly readable, timely, surprising book.” —Frances Moore Lappé, author of Daring Democracy and Diet for a Small Planet“As so many Americans feel powerless to confront a financial system designed to serve the few, Shuman offers us real choices: tools that align our lives with our values. That's power. I love this highly readable, timely, surprising book.” —Frances Moore Lappé, author of Daring Democracy and Diet for a Small Planet Americans agree on very little these days, but red state conservatives and blue state progressives can agree on one critical point: Wall Street can no longer be trusted. Yet most of us continue to invest our money in the stocks and bonds of Fortune 500 companies, transferring our capital far from where we live and work. Local investing expert Michael Shuman offers another alternative. He shows how we can use two well-established—but rarely used—investment tools to keep our money close and get a return as good as or better than what we'd get investing in distant, indifferent corporations. Shuman explains the nuts and bolts of self-directed IRAs and solo 401(k)s and how they can be combined with other recently legalized local investing tools. He details how to set these accounts up, identify and evaluate a whole range of local investment opportunities, and make sure account holders stay on the right side of the law. While the book is written for people without a lot of investment experience—Shuman explains concepts like “liquidity” and “diversification” in simple terms—even if you're as experienced as Warren Buffett, this book will make you rethink everything you know about investing. With Shuman's expert advice, you can strengthen your investment portfolio and your community, neighborhoods, and schools at the same time!
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Affiche du document The Resilient Investor

The Resilient Investor

Michael Krämer

1h39min45

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133 pages. Temps de lecture estimé 1h40min.
Socially responsible investors try to avoid putting their assets in companies that do damage in the world. Resilient investing goes further. The authors redefine the very meaning of “assets” and “investing” and show how to design a strategy to give you, and the planet, the best possible chance of thriving. After all, we’re in this together!If you want to build a better life and a better world—and really be prepared for any possible future in these turbulent times—you need to become a resilient investor! This trailblazing guide will expand your ideas of investing way beyond Wall Street. Your time, your energy, and the things you own are investments too, and you'll learn to diversify them in ways that move you toward your life goals. The Resilient Investment Map lays out all your assets—personal and physical as well as financial—and then provides three essential, timely strategies (Close to Home, Sustainable Global Economy, and Evolutionary Investing) that will help you grow each of them. The goal is to become more resilient: able to anticipate disturbance, rebuild as necessary, and improve when possible. You'll discover that the choices making you more resilient also enhance our communities, our economy, and the planet—building real wealth for all. Introduction: Standing up to Uncertainty1. Facing the Future: Why we're expanding your view of investing2. More Than Money: Recognizing your real net worth: Personal, tangible, and financial assets3. Weaning off Wall Street: The Three Investment Strategies: Close to Home, Sustainable Global Economy, Evolutionary 4. A Field Guide to Resilient Investing: A tour of the nine realms of the resilient investing map5. Find Yourself on the Map: What you're already doing: self-assessment6. Be Ready for Anything: Qualities of the resilient investor, scenario planning, plausible futures7. Dancing With the Future: Resilient Investor profiles: Doomer, Dreamer, Dualist, Driver, Denier, etc.8. Your Resilient Investing Plan: Design, implement, and evaluate your resilient investing plan9. Tales of Resilient Living: The authors' stories10. The Invisible Heart of Resilience: By becoming personally resilient, we help create a resilient worldResources: (i) The Case for SRI(II) The Investor's EyeNotesIndexAbout the Authors
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Affiche du document Crunch

Crunch

Jared Bernstein

1h44min15

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139 pages. Temps de lecture estimé 1h44min.
Is Social Security really going bust, and what does that mean to me? If I hire an immigrant, am I hurting a native-born worker? Why does the stock market go up when employment declines? Should I give that homeless guy a buck? What’s a “living wage”? How much can presidents really affect economic outcomes? What does the Federal Reserve Bank really do? And even when some pundits say the economy’s sound, why do I still feel so squeezed? If you’d like some straight answers, premier economist Jared Bernstein is here to help. In Crunch he responds to dozens of questions he has fielded from working Americans, questions that directly relate to the bottom-line, dollars-and-cents concerns of real people. Chances are if there’s a stumper you’ve always wanted to ask an economist, it’s solved in this book. Bernstein is fed up with “Darth Vaders with PhDs” who use their supposed expertise to intimidate average citizens and turn economics into a tool for the rich and powerful. In the pages of Crunch, Bernstein lays bare the dark secret of economics: it’s not an objective scientific discipline. It’s a set of decisions about the best way to organize our society to produce and distribute resources and opportunities. And we all can, and must, participate in these decisions. “America is a democracy,” he writes. “And in a democracy all of us, not just the elites and their scholarly shock troops, get to weigh in on biggies like this.” To not weigh in, Bernstein insists, is a profoundly political act, one with damaging consequences. Our economy will be only as fair as we can make it. In this lively and irreverent tour through everyday economic mysteries, Bernstein helps us decode economic “analysis,” navigate through murky ethical quandaries, and make sound economicdecisions that reflect our deepest aspirations for ourselves, our families, and our country.
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Affiche du document The Big Investment Lie

The Big Investment Lie

Michael Edesess

2h09min45

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173 pages. Temps de lecture estimé 2h10min.
The investment advice and management industry is built on fraud: the idea that professional advisors can predictably and consistently help you get a better rate of return on your investments. The industry sells us on this lie using manipulative tactics that are studied, refined, Wall Street minted, and Madison Avenue packaged. And extraordinarily effective. Here, Michael Edesess exposes the shocking truth that, in fact, behind the success of nearly every prosperous investment professional lies not the ability to procure higher rates of return on investment for his or her clients but the ability to procure astoundingly high fees from those clients and nothing more. Through fascinating and sometimes humorous anecdotes and straightforward explanations of investment theory and scientific evidence, Edesess reveals just how badly investors are being scammed by The Big Investment Lie. He examines how the master salespeople that make up the industry sell their cleverly concocted distortions of truth--to the tune of $200 billion a year--to unsuspecting consumers who swallow them hook, line and sinker. He then shines a spotlight on the true cost of the industry's useless advice, showing that a prudent independent investor, following a conservative strategy, can reap anywhere from 40 percent to over 100 percent more than an investor who falls for The Big Investment Lie. Detailing the Ten New Commandments for Smart Investing--practical advice for how, where, and when to invest your money to maximize wealth--The Big Investment Lie provides the guidance you need to secure your financial future without throwing your hard-earned money away on the fraudulent investment advice industry.
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Affiche du document Par ici la sortie : Développez votre intelligence financière et mettez votre argent au service de vos rêves

Par ici la sortie : Développez votre intelligence financière et mettez votre argent au service de vos rêves

Michaël Ferrari

1h53min15

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151 pages. Temps de lecture estimé 1h53min.
Vous souhaitez vivre sans dépendre d’un employeur ou d’un salaire ? Vous rêvez d’avoir le temps de voir vos enfants grandir ou d’accomplir les projets qui vous tiennent à cœur ?C’est possible ! Grâce à son blog Esprit Riche, Michaël Ferrari a accompagné des millliers de personnes dans cette voie. Parti de zéro, il a mis son argent au service de sa vie. Il touche plusieurs revenus tout en voyageant et profitant de sa famille sans s’inquiéter de son avenir.Comment ? Grâce à l’intelligence financière, « la dixième intelligence », méconnue mais indispensable pour reprendre le contrôle de son portefeuille, investir en toute sérénité et quitter définitivement le métro-boulot-dodo.Grâce à ce livre, vous allez bâtir un solide plan d’investissement basé sur les trois piliers fondamentaux de la liberté financière :- l’entrepreneuriat ;- l’immobilier ;- la bourse.Vous apprendrez à investir dans l’immobilier, à créer de la valeur et à gérer un portefeuille boursier optimisé qui ne prend qu’une heure par mois. L’objectif ? Créer une vie riche, une vie sur mesure que vous avez entièrement choisie.Michaël Ferrari est investisseur et entrepreneur. Pionnier sur le sujet de la liberté financière, il a créé en 2007 le premier blog d’éducation financière et d’investissement Esprit Riche, devenu aujourd’hui une chaîne YouTube de référence avec 12 millions de vues.
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Affiche du document The Financial Activist Playbook

The Financial Activist Playbook

Jasmine Rashid

1h52min30

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150 pages. Temps de lecture estimé 1h52min.
The first and only comprehensive resource designed to empower everyday people with insider knowledge on moving money for a more equitable economy.The money myths end here. We don't need to choose between creating meaningful wealth for ourselves and our families today, or supporting social movements creating a better tomorrow. We don't all need to become certified financial "experts" to be economically empowered and make a real difference in our communities. And we're far from powerless when it comes to changing the financial system, just because we don't happen to belong to the 1%. Quite the opposite.Financial activism is how everyday people radically reimagine money as a tool for widespread well-being, instead of a weapon of absurdly increasing inequality. It's the antidote to traditional finance that evokes confusion, trauma, and (in the best-case scenario) straight-up boredom. It's how we-the underestimated-collectively resist systems that cause harm to people and the planet for the sake of profit, reclaim wealth that's been stolen, and redesign our relationships with capital and one another, in ways big and small.Going beyond tried financial literacy, The Financial Activist Playbook offers eight accessible, actionable, "choose-your-own-adventure" strategies for readers to experiment with. Drawing on timely insider knowledge from the worlds of impact investing, social justice, and more, Rashid illuminates a treasure trove of stories: demonstrating how people power can flow big bucks out of extractive industries, and into the economy of care and abundance we deserve. Playbook readers will be equipped to start visualizing and influencing the unique networks of wealth all around each of us, with strategies likeShifting collective budgets and bank dollars;Flexing our role as everyday philanthropists;Leveraging the magic of community investment;And so much more.Laced with refreshing humor, empowering exercises, and a steadfast commitment to truth-telling, Rashid takes readers on an energizing ride of financial possibility and practicality that will reverberate for generations to come.Part I: The Promise of Fusion 1. Fusion Leadership 2. Breaking with the Past Part II: Unlocking the Subtle Forces through Personal Fusion 3. The Challenge of Personal Fusion 4. Mindfulness 5. Vision 6. Heart 7. Communication 8. Courage 9. Integrity Part III: Unlocking the Subtle Forces through Organizational Fusion 10. Organizational Fusion 11. Fusion Technologies and Events 12. Fusion Principles 13. A Final Word about Fusion Leadership
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Affiche du document The 21 Success Secrets of Self-Made Millionaires

The 21 Success Secrets of Self-Made Millionaires

Tracy Brian

45min00

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60 pages. Temps de lecture estimé 45min.
Do you ever hear about a self-made millionaire in the news and wonder: how did they achieve it? In this book, Brian Tracy walks you through the hidden secrets of what makes self-made millionaires, and shows how anyone, no matter where they are in life at this moment, can become a millionaire.Do you ever hear about a self-made millionaire in the news and wonder: how did they achieve it? In this book, Brian Tracy walks you through the hidden secrets of what makes self-made millionaires, and shows how anyone, no matter where they are in life at this moment, can become a millionaire. The advice in this book is based on Brian Tracy's twenty-five years of research, teaching, and personal experience on the subject of self-made millionaires. Tracy himself used these ideas to rise from humble beginnings to become a millionaire. And Tracy has discovered that all successful people practice these 21 success secrets, whether they're consciously aware of it or not. In The 21 Success Secrets of Self-Made Millionaires Tracy not only identifies and defines each success secret, but also reveals its source and foundation, illustrates how it functions in the world, and shows how to apply it in life and work through specific steps and practical exercises that everyone can use. Easy to read, easy to understand, and easy to apply, this book shows how anyone can cultivate the habits and behaviors that will enable them to achieve not just financial independence, but success in any area of life. Because, as Tracy writes, "The most important part of achieving great success is not the money. It is the kind of person you have to become to earn that money and hold onto it."The Law of Cause and EffectWhat you are about to learn can change your life. These ideas, insights, and strategies have been the springboards to financial success for millions of men and women, young and old, rich and poor. These principles are simple, effective, and fairly easy to apply. They have been tested and proven over and over again, and they will work for you if you will take them and apply them in your own life.We are living at the greatest time in all of human history. More people are becoming wealthy today, starting from nothing, than ever before imagined. There are more than seven million millionaires in America, most of them self-made, and the number is growing by 15 to 20 percent each year. We even have self-made ten millionaires, hundred millionaires, and more than two hundred billionaires. We have never seen this type of rapid wealth creation in all of human history.Here's the best news of all. Virtually everyone starts with nothing. More than 90 percent of all financially successful people today started off broke or nearly broke. The average self-made millionaire has been bankrupt or nearly bankrupt 3.2 times. Most wealthy people failed many times before they finally found the right opportunity that they were able to leverage into financial success. And what hundreds of thousands and millions of other people have done, you can do as well.2The iron law of human destiny is the Law of Cause and Effect. This law is simple yet very powerful. It says that there is a specific effect for every cause. For every action, there is a reaction. This law says that success is not an accident. Financial success is the result of doing certain, specific things over and over again until you achieve the financial independence that you desire.Nature is neutral. The natural world, the marketplace, or our society does not care who you are or what you are. The Law of Cause and Effect says that if you do what other successful people do, you will eventually get the results that other successful people get.And if you don't, you won't. This law says that when you learn the success secrets of self-made millionaires and apply them in your own life, you will experience results and rewards far beyond anything you have accomplished up until now.Here is an important point for you to remember. Nobody is better than you and nobody is smarter than you. Let me repeat that. Nobody is better than you and nobody is smarter than you. Get those thoughts out of your mind. One of the primary reasons for selling yourself short, for underachievement and lack of financial success, is the conviction that people who are doing better than you are better than you. This is simply not the case.The fact is that most self-made millionaires are ordinary people with average educations working at average jobs and living in average neighborhoods in average houses driving average cars. But they have found out what other financially successful people do and they have done those same things over and over again until they achieved the same results. It is no miracle and it is no accident. And when you think the same thoughts and do the same things that self-made millionaires do, you will begin to get the same results and benefits they do. It is simply a matter of cause and effect.There are 21 success secrets of self-made millionaires. Each of these is indispensable to your becoming financially independent. The failure to apply any one of these principles can, by itself, undermine and even destroy your chances for health, happiness, and great prosperity.The good news is that you can learn every one of these principles by practice and repetition, over and over again, until they become as natural to you as breathing in and breathing out. Just as you learned to ride a bicycle or drive a car, you can learn the success secrets of self-made millionaires and apply them in your life. And there are no limits except the limits you place on yourself by your own thinking. Now, let us begin.Preface Introduction: The Law of Cause and Effect Success Secrets 1 Dream Big Dreams 2 Develop a Clear Sense of Direction 3 See Yourself as Self-Employed 4 Do What You Love to Do 5 Commit to Excellence 6 Work Longer and Harder 7 Dedicate Yourself to Lifelong Learning 8 Pay Yourself First9 Learn Every Detail of Your Business10 Dedicate Yourself to Serving Others11 Be Absolutely Honest with Yourself and Others12 Determine Your Highest Priorities and Concentrate on Them Single-Mindedly 13 Develop a Reputation for Speed and Dependability14 Be Prepared to Climb from Peak to Peak 15 Practice Self-Discipline in All Things16 Unlock Your Inborn Creativity 17 Get around the Right People 18 Take Excellent Care of Your Physical Health19 Be Decisive and Action Oriented 20 Never Allow Failure to Be an Option21 Pass the “Persistence Test”Conclusion: Success Is PredictableAbout the AuthorIndex The Millionaire-Maker SeminarBrian Tracy, Speaker, Trainer, Seminar Leader Brian Tracy Audio Learning Programs
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Affiche du document Ne vous faites plus avoir !

Ne vous faites plus avoir !

Stefan LENDI

2h05min15

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167 pages. Temps de lecture estimé 2h05min.
Vous pensez ignorer facilement les publicités et déjouer les pièges du marketing ? Détrompez-vous ! Chaque jour, sans même vous en apercevoir, vous êtes exposé à des stratagèmes subtils conçus pour influencer vos choix et vous inciter à dépenser plus.Ce que vous croyez être une simple décision personnelle est bien souvent le résultat de techniques invisibles, mais redoutablement efficaces.L’auteur, lui-même marketeur chevronné, vous ouvre les coulisses du « marketing furtif » : des techniques commerciales et publicitaires qui impactent le comportement des consommateurs à leur insu.Il vous donne les clés pour identifier et anticiper ces mécanismes afin d’adopter une consommation plus avisée et réfléchie.Si un seul de ses conseils vous permet d’économiser 50 € par an, imaginez les gains que vous pourrez réaliser avec les 100 astuces qu’il vous partage ! LES COULISSES DE VOTRE CONSOMMATIONDans votre tête : votre cerveau face au marketingAu-delà du produit : ce qu’on vous fait vraiment acheterLes marques : ce qu’elles font pour formater vos choix L’ART DE LA SÉDUCTION COMMERCIALELes prix : ce que cachent vraiment les chiffresLes promotions : pièges ou bonnes affaires ?Au centre commercial : voyage au coeur de la machine à acheterLES FICELLES DE LA TOILE DU MARKETING NUMÉRIQUEE-commerce : ne cliquez plus les yeux fermésDark patterns : les pièges cachés du webJeux vidéo : quand le marketing devient joueurLE MARKETING DES ACTIVITÉS RÉCRÉATIVESLoisirs : votre temps libre vaut de l’orVacances : évadez-vous sans vous faire piégerCES SERVICES QUI VOUS VEULENT DU BIENBanques : dans les rouages des services financiersAssurances : ne signez plus sans comprendreServices : découvrez leurs engrenages silencieux BONUSD’autres techniques peu connues de marketing furtif
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Affiche du document Financial Freedom for Young Adults

Financial Freedom for Young Adults

Gray Peterson

30min45

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41 pages. Temps de lecture estimé 31min.
Unlock Your Path to Financial Freedom: A Guide for Young AdultsAre you a young adult dreaming of financial independence but unsure where to start? "Financial Freedom for Young Adults: A Simple Guide for Teens and Young Adults to Earning, Saving, and Growing Wealth" is your ultimate roadmap to achieving the financial security and freedom you deserve.Why This Book?In a world where financial literacy is often overlooked, this book stands out as a beacon of practical, easy-to-understand advice. Written in a conversational and engaging style, it feels like a supportive friend guiding you through every step of your financial journey. This isn't just another dry financial textbook; it's a vibrant, relatable guide that will inspire and empower you to take control of your financial future.What You’ll Gain: Practical Earning Strategies: Discover the best ways to earn money as a young adult, from part-time jobs to side hustles and entrepreneurial ventures. Smart Saving Tips: Learn how to save effectively without feeling deprived. Understand the importance of budgeting and how to create a savings plan that works for you. Investment Insights: Get introduced to the world of investments in a way that’s easy to grasp. Learn how to grow your wealth through stocks, bonds, and other investment vehicles. Financial Independence Roadmap: Understand the steps to achieve financial independence, including building an emergency fund, managing debt, and planning for the future. Real-Life Examples: Read inspiring stories of young adults who have successfully navigated their way to financial freedom using the strategies outlined in this book.Benefits of Reading: Gain confidence in managing your money. Develop a healthy relationship with finances. Set yourself up for long-term financial success. Avoid common financial pitfalls that trap many young adults. Take control of your financial destiny with actionable steps and clear guidance.Take Action Now!Don't let financial uncertainty hold you back any longer. "Financial Freedom for Young Adults" is the tool you need to start building a secure and prosperous future. Whether you’re just starting to earn money or looking to refine your financial strategy, this book is your essential companion on the journey to financial freedom.Order your copy today and take the first step towards a financially independent future! 
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Affiche du document Essential Retirement Planning for Solo Agers

Essential Retirement Planning for Solo Agers

Sara Geber

2h31min30

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202 pages. Temps de lecture estimé 2h31min.
A Retirement Gift for Women Who are Solo Agers"When it comes to aging, you can't count on your children, especially if you don't have any. But help is on the way.” ―Harry R. Moody, Ph.D., retired Vice President for Academic Affairs, AARPWall Street Journal Best Books of 2018 on Aging Well#1 Best Seller in Aging, Aging Parents, Gerontology, Volunteer Work, Budgeting & Money Management, Almanacs & Yearbooks, Eldercare, Retirement Planning , Parenting & Relationships, and ReferenceAmerican Baby boomers are aging and fifteen million of them are childfree. Who will take care of them as they retire? Unprecedented in U.S. history, this demographic is creating challenges for these individuals as well as for society.Childless Solo Agers. In Essential Retirement Planning for Solo Agers, Sara Zeff Geber, a Ph.D. in Counseling and Human Behavior and a Certified Retirement Coach, coins the term “Solo Ager.” Solo Agers are the segment of society that either does not have adult children or is single and expects be on their own as they grow older.A Happy retirement gift for women―and men. With a compelling and readable style, Geber takes her Solo Ager readers on a journey toward happy retirement, starting with the choice to be childless and why so many boomers were able to make that decision. Through stories and narrative, she explores housing choices, relationships, and building a support system. Geber shares her expertise on what constitutes a fulfilling older life and how Solo Agers can maximize their opportunities for financial security, physical health, meaning and purpose in the second half of life.Learn about:Levels of care and independenceTypes of living arrangementsEnd-of-life issuesLegal and financial decisionsIf you have read Who Will Take Care of Me When I'm Old?, Aging Alone, or The Ultimate Retirement Guide for 50+ by Suze Orman, you will love Essential Retirement Planning for Solo Agers.
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Affiche du document The College Bound Planner

The College Bound Planner

Anna Costaras

1h36min00

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128 pages. Temps de lecture estimé 1h36min.
Complete Guide to Academic & College Planning for TeensA must for every high school student." —Christie Barnes, author of What Every Parent Needs to Know About College AdmissionsThe College Bound Planner is your step-by-step comprehensive college planning guide to organize every step of your high school education while preparing smart goals for college.Get your teens ready now! College may seem far away but thinking ahead and understanding how things work will help your teen prepare. In these uncertain times, parents and students are feeling even more anxious about how to approach college readiness. This book provides advice and guidance starting at freshman year of high school up through senior year. This step-by-step guidance empowers students to take control of their academic futures and thrive, no matter what the future brings.Develop skills for a lifetime of success. The College Bound Planner helps teens master skills including note taking, studying, test taking, and writing essays and research papers. Being college ready is also about having life skills such as time management, critical thinking, problem solving, decision making, and communication, as well as the discipline and drive needed to succeed. This college planner is the best college planner to get a teen ready for college.Inside, you’ll find:Academic direction and academic planning tipsGood study skills and life habits to set yourself up to succeedWays to stay organized and how to do proper goal settingGuides to prioritizing your personal goals while participating in extracurricularsHow and when to apply for college using proper college planningWhat to do to get ready for your first day as an undergraduate college studentIf you liked What Color Is Your Parachute?, Fiske Guide to Colleges 2021, or Teens' Guide to College & Career Planning, you’ll love The College Bound Planner.From the book:Welcome to High School! Freshman year kicks off your high school experience and is also the start of your college bound journey. Although college may seem like a long way off and you may not have any idea which college you want to attend, it’s never too early to get ready. So, what does it mean to be college ready? College ready means being successful in high school. Success includes enrolling in a challenging curriculum, working hard, staying focused and earning strong grades. However, high school is about more than attending class and doing homework.Ninth grade is the perfect time to try new things, explore new ideas and see what you enjoy doing. Get involved in your community, both in and out of school. It’s important to find activities which you are genuinely interested in pursuing. Volunteer, join a club, try a new sport, run for student government, sign up for science research, audition for the school theatre group, try mathletes. Once you know what excites you, you can focus on those things that mean the most to you and which you find rewarding later in high school. This is the time to learn and take responsibility for yourself, both academically and personally, and it’s on you to find what motivates and excites you.Your guidance counselor is one of your most important allies. Start by meeting with your counselor to become informed and understand what is required of you to get the most out of high school and be college bound. Learn about your high school’s course offerings and requirements for graduation. Does your school offer honors, Advanced Placement (AP) and/or International Baccalaureate (IB) classes? What are the prerequisites? Is this a path that is right for you? Let your guidance counselor help you decide. Talk to them about your goals so they can help you plan your curriculum and choose the classes most appropriate to meet your needs. Give your guidance counselor the opportunity to get to know you; the better they know you, the more fitting their advice will be.Talk often with your family; they know you best. Keep them in the loop and let them know what’s going on at school, academically and socially. Share your goals and let them help you come up with a plan to find your way to college. Keep your parents up to date with what you learn in any meetings with your guidance counselor. Let them help you navigate any big decisions because everything you do starting in freshman year will impact your college options in senior year. For example, your curriculum, your grades, how hard you pushed yourself academically and your involvement in activities, are all part of who you are and what you'll present to colleges.ContentsChapter 1 Freshman Year: On Your Mark, Get Set, Go!Set Your GoalsMeet Your Guidance CounselorJoin in Extracurricular ActivitiesGet Involved in Activities Outside of SchoolDevelop Good HabitsGet OrganizedBe College BoundChapter 2 Sophomore Year: Dive InMotivate YourselfUnderstand Your Test OptionsGet to Know Your TeachersBuild on Your CredentialsBe OrganizedMeet With Your Guidance CounselorPlan Your SummerChapter 3 Junior Year: Control The ChaosStandardized TestingCollege FairsSchool ResearchMeet with Your Guidance CounselorRequest RecommendationsSave Important WorkWhat Are You Going to do This SummerChapter 4 Senior Year: Write Your StoryGuidance Counselor MeetingApply to CollegeFinancial AidPost Application To-DosChapter 5 Pre-College: Getting ReadyPre-College TasksSummer To-DosAbout the Authors
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Affiche du document Retraite obligatoire et solutions supplémentaires

Retraite obligatoire et solutions supplémentaires

Gonzague LA FONTA

1h48min45

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145 pages. Temps de lecture estimé 1h49min.
Comment améliorer son pouvoir d’achat immédiat tout en réalisant des placements dans l’objectif de vivre correctement à la retraite ?Il semble en effet de plus en plus difficile de compter uniquement sur sa future pension des régimes obligatoires.Les solutions de capitalisation restent complexes et la règlementation est mouvante. Une vingtaine de lois depuis 2000… On s’éloigne du « pacte de simplification » !Les solutions via l’entreprise sont variées et efficaces, mais encorepeu utilisées et les budgets non extensibles. À titre privé, lapossibilité de verser contre avantage fiscal est limitée. Surtout, une grande majorité des actifs n’en a ni les moyens ni même l’intérêt.Dans ce contexte, comment s’y retrouver ? Quel P.E.R. utiliser, entreprise ou individuel ? L’assurance vie est-elle toujours intéressante ? …Chef d’entreprise, RH ou salarié, ce guide vous apporte tous les éléments nécessaires pour comprendre vos interlocuteurs en épargne salariale et ainsi prendre des décisions en connaissance de cause sur les solutions auxquelles vous pouvez prétendre.88 % des néoretraités regrettent de ne pas avoir agi avant…Même si chaque cas est personnel et qu’il n’existe aucune réponse toute faite, des solutions sont possibles ! QUELQUES DONNÉES SUR LA RETRAITE OBLIGATOIREPérimètre des préconisationsLes régimes obligatoires : c’est du juridique, on acquiert des droitsDes raisons de s’inquiéterComment acquérir des droits à la retraitePoint sur la retraite obligatoire des TNS LA LOI PACTE (SUR LE VOLET RETRAITE)Les principaux objectifs de la loiPrésentation du P.E.R Le P.E.R. dans l’ensemble des solutions d’épargne et de retraite LE MARCHÉ DE L’ÉPARGNE RETRAITELe P.E.R. se développera sur l’entrepriseComprendre la fiscalité sur le revenu en France FONCTIONNEMENT DES DIFFÉRENTS P.E.R.P.E.R. collectif et épargne salarialeLe P.E.R. obligatoire, à cotisation définieLe P.E.R. individuel (hors TNS), réceptacle des versements libresLa solution hors pair (ou OR P.E.R.) : contrat à prestation définie LA LOI PACTE, DES ÉVOLUTIONS QUI POSENT QUESTIONPoints d’étonnement sur les évolutions de 2019 : avis d’expertsLe P.E.R. a-t-il tant de nouveaux atouts ?Synthèse des évolutions produits, différences, gains, pertes LE CŒUR DU RÉACTEUR : COMPRENDRE LES LIMITES FISCALESDes limites fiscales complexes et restreintes BIEN UTILISER LE P.E.R.La retraite par capitalisation : faire avec, une nécessitéLa retraite par capitalisation : un seul enjeu, le volumeComment faire du volume ?L’intérêt d’un versement déductible PERIN à 30 % de TMI ?P.E.R. et IFILe PERIN et la protection du conjointRetraite et résidence principaleLe P.E.R. et l’assurance vieZoom sur les transfertsPrioriser les sources d’alimentationLa gestion financièreLes options de sortiesFaut-il transformer son ancien contrat PERP, MADELIN, ART. 83 ou PERCO?Synthèse des synthèses PARTAGE DE LA VALEUR : NOUVELLE OBLIGATION POUR LES ENTREPRISES DE 11 À 49 SALARIÉSConfusion des termesOn l’a échappé belleDescriptif des évolutions pour TPE de moins de 50 salariésPoint sur le plan de partage de valorisation de l’entrepriseNouvelle obligation = nouvelle charge donc faites le bon choix  
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Affiche du document The Richest Man in Babylon. Illustrated

The Richest Man in Babylon. Illustrated

George S. Clason

1h06min00

  • Finances personnelles
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88 pages. Temps de lecture estimé 1h06min.
George S. Clason’s The Richest Man in Babylon is a timeless classic that offers practical wisdom and financial principles wrapped in engaging parables set in ancient Babylon. Through its captivating storytelling, the book provides invaluable lessons on wealth creation, financial independence, and prudent money management that remain relevant in modern times. The narrative unfolds in the prosperous city of Babylon, where readers encounter Arkad, the titular "richest man," who shares his secrets for building and preserving wealth. From the "Seven Cures for a Lean Purse" to the "Five Laws of Gold," each parable is rich with practical advice that is simple to understand and easy to apply. This illustrated edition brings the wisdom of Clason’s teachings to life with beautiful artwork that enhances the reader's journey into the ancient world. The vibrant illustrations not only immerse readers in the grandeur of Babylon but also clarify the principles of frugality, wise investment, and financial discipline. Whether you are looking to save for the future, eliminate debt, or grow your wealth, this book provides a solid foundation of financial literacy and timeless advice. A must-read for anyone seeking prosperity and a deeper understanding of personal finance, The Richest Man in Babylon inspires readers to take control of their financial destiny with clarity and confidence.
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Affiche du document Parents solos, héros du cash flow : Comment élever une famille prospère sans partenaire

Parents solos, héros du cash flow : Comment élever une famille prospère sans partenaire

Maude Gauthier Gauthier

39min45

  • Finances personnelles
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53 pages. Temps de lecture estimé 40min.
Élever un enfant seul.e et acquérir une propriété, est-ce vraiment possible? Assumer en solo tous les coûts d’une famille et se ménager un coussin d’épargne chaque mois, peut-on seulement en rêver? Parents solos, héros du cash flow explore en détail quatre grandes questions financières des familles monoparentales : l’achat d’une maison, la gestion du crédit et le budget, l’investissement et les avantages fiscaux que peut offrir le gouvernement. Elle-même mère soloparentale, Maude Gauthier démontre, avis d’experts et témoignages à l’appui, que le rôle de parent unique ne nous condamne pas à « survivre d’un chèque de paie à l’autre ». Parfois, on peut même prospérer.Si vous avez du mal à déterminer le scénario le plus payant pour vous, essayez le calculateur en ligne « Propriété : est-il préférable d’acheter ou de louer? » de l’Autorité des marchés financiers (AMF). Il permet de comparer l’achat et la location en fonction du prix d’achat (ou du loyer), de la mise de fonds, du taux d’intérêt, des taxes, de l’augmentation de la valeur avec le temps, des frais d’entretien et d’autres coûts. Bien entendu, il faut faire un peu de recherches pour avoir une idée réaliste des chiffres à inscrire. Le calculateur vous donnera un résultat (acheter ou louer), en plus de générer un tableau et un graphique pour illustrer le gain ou la perte financière. Il faut aussi savoir que, si le résultat est « louer », il est tout indiqué d’investir la différence. Sinon, ça devient totalement désavantageux! Une propriété, c’est de l’épargne forcée. C’est une des raisons pour lesquelles je suis en faveur de l’achat.
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Affiche du document Fast Track to Ownership

Fast Track to Ownership

KYALA WILLIAMS

1h09min00

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92 pages. Temps de lecture estimé 1h09min.
Embark on a Journey to Financial Freedom: Elevate Your Credit Score in Just 90 DaysImagine unlocking the door to your financial dreams with a higher credit score. Fast Track to Ownership: Boost Your Credit in 3 Months is your comprehensive guide to understanding and enhancing your credit in ways you never thought possible. This book is not just a resource; it's a roadmap to financial independence, designed to empower you with the knowledge and tools to take charge of your credit.Begin your journey by diving deep into the fundamentals of credit. Learn the inner workings of credit scores, the pivotal role they play in your financial life, and the difference between FICO and VantageScore. With exclusive insights into the agencies that monitor your credit, you'll gain a newfound understanding of what lies beneath your credit report.But knowledge alone isn't power–action is. Analyze your current credit situation with precision, identify inaccuracies, and set realistic goals. Transform how you view and manage your debt, employing strategies such as the snowball and avalanche methods, to not only repair but also skyrocket your credit score. Discover the secret techniques of credit building, from the strategic use of secured credit cards to the advantages of installing loans, and learn how your credit utilization ratio can dramatically alter your credit landscape.Confront collections and navigate bankruptcy with confidence, understanding their repercussions and learning strategic ways to rebound. Moreover, arm yourself against identity theft and fraud through effective credit monitoring and protection strategies.But this book doesn't stop at repair. It guides you through advanced strategies for continuous improvement and protection of your score, ensuring you're always at the top of your financial game. From understanding how lenders view your creditworthiness to leveraging peer-to-peer lending, Fast Track to Ownership prepares you for future financial success.By the end of this book, you won't just have repaired your credit; you'll have taken ownership of your financial future. Boost your credit, boost your life. Start your transformation today and experience the freedom and opportunities that come with a stellar credit score.
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